 I can help you get approved, you know. Really? How? With this. A bag of sand? It's not a bag. It's a pouch. And it's not sand. It's credit fairy dust. Credit fairy dust? Yes. I sprinkle some fairy dust on the application and your credit rating magically improves. There's no such thing as the credit fairy. An unbeliever now. But what will you think when your loan is approved?